Terms-of-Service

1. Nature of Services

We may collect personal information that you voluntarily provide, including but not limited to: We do not collect sensitive personal information such as Social Security numbers, bank account numbers, or credit card information through our website

2. No Financial, Legal, Tax, or Investment Advice

All content provided through this website, emails, contact forms, consultations, coaching sessions, worksheets, or other materials are for general educational purposes only. Spencer’s Financial Solutions is not a registered investment advisor, broker-dealer, tax advisor, legal advisor, or fiduciary. We do not provide individualized recommendations regarding investments, securities, insurance products, or tax strategies. You are encouraged to consult with appropriately licensed or certified professionals before making financial decisions.

3. No Guarantees

Financial results vary based on individual circumstances, habits, effort, and decisions. While we strive to provide helpful and accurate educational information, we make no guarantees regarding outcomes, including but not limited to debt reduction, credit score improvement, income growth, savings goals, or financial success.

4. Client Responsibility

You acknowledge and agree that:

• You are solely responsible for your financial decisions and actions
• Any decisions made based on information provided by Spencer’s Financial Solutions are your own
• You assume full responsibility for the outcomes of those decisions

5. No Client Relationship Created by Contact

Submitting a contact form, sending an email, or participating in an initial consultation does not create a client or coaching relationship. A formal coaching relationship is established only after:

• Mutual agreement to services
• Acceptance of applicable terms, fees, and policies

6. User Conduct

By using this website or services, you agree that you will not:

• Use the site for unlawful purposes
• Submit false or misleading information
• Attempt to interfere with website security or functionality
• Harass, abuse, or harm others through communication

7. Intellectual Property

All content on this website, including text, graphics, logos, worksheets, and materials, is the property of Spencer’s Financial Solutions unless otherwise stated. You may not copy, reproduce, distribute, or reuse content without prior written permission, except for personal, non-commercial use.

8. Privacy

Your use of this website and services is also governed by our Privacy Policy, which states how we collect, use, and protect your personal information. By using our services, you consent to the practices described in the Privacy Policy.

9. Third-Party Tools and Services

We may use third-party platforms for:

• Website Hosting
• Contact Forms
• Scheduling or calendar services

10. Limitation of Liability

To the fullest extent permitted by law, Spencer’s Financial Solutions shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or related to:

• Use of this website
• Use of services or educational materials
• Decisions made based on provided information

11. Indemnification

You agree to indemnify and hold harmless Spencer’s Financial Solutions from any claims, losses, liabilities, damages, or expenses arising from:

• Your use of the website or services
• Your violation of these Terms
• Your financial decisions or actions

12. Governing Law

These terms shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to conflict of law principles.

13. Changes to These Terms

We reserve the right to update or modify these Terms at any time. Changes will be effective immediately upon posting to this page, with the updated “Last Updated” date.

14. Contact Information